How do repayments work?

Updated 10 months ago

The P2P investment side of Zopa is closed. Through the purchase of the peer-to-peer portfolio, all investors have now received their funds back. You can find more information on the closure in the ‘Changes to P2P investments’ section of our FAQs.

Throughout the month, you'll receive repayments from each of your borowers. These are made up of your initial investment and interest. You'll receive these each month until the loan is repaid or, in some cases, the loan goes into default.

We anticipate a certain amount of money plus interest each month from each borrower, but sometimes they pay back a little more or they end up repaying early. So the monthly repayment can vary.

You can choose to either automatically reinvest these repayments, or direct them to holding, where you can manually reinvest or withdraw the money.

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